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ساختار مفهومی و روندهای دانشی در تأمین مالی خرد: تلفیق روش بیبلیومتریک و مرور نظاممند | ||
| فصلنامه تحقیقات اقتصادی | ||
| دوره 61، شماره 2 - شماره پیاپی 155، تیر 1405، صفحه 337-370 اصل مقاله (963.22 K) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22059/jte.2026.399628.1009023 | ||
| نویسندگان | ||
| وجیه باقرصاد* 1؛ مرتضی اکبری2 | ||
| 1گروه مدیریت و حسابداری، دانشگاه ملی مهارت، تهران، ایران. | ||
| 2دانشکده کارآفرینی، دانشکدگان مدیریت دانشگاه تهران، ایران. | ||
| چکیده | ||
| با گسترش چشمگیر مطالعات در زمینه تأمین مالی خرد، پراکندگی مفهومی، تنوع رویکردهای اجرایی، و عدم انسجام نظری، طراحی مدلهای فراگیر و سیاستهای مؤثر را دشوار ساخته است. فقدان مرورهای ساختاریافته و تحلیلهای بیبلیومتریک، امکان شناخت دقیق از سیر تحول موضوعات، مشارکتکنندگان کلیدی، و نقاط کانونی پژوهش را محدود کرده است. برای پر کردن این خلأ، این مقاله با بهرهگیری از روش بیبلیومتریک و مرور نظاممند، دادههای مرتبط با تأمین مالی خرد را از پایگاه وبآفساینس در بازه ۱۹۸۲ تا ۲۰۲۳ استخراج و با نرمافزار VOSviewer تحلیل کرده است. نتایج حاکی از شکلگیری سه خوشه اصلی است، شامل پویاییهای سیستمهای مالی خرد فراگیر (با تأکید بر شمول مالی و دسترسی بانکی)، حاکمیت و پایداری در مؤسسات مالی خرد (با تمرکز بر کارایی و عملکرد مالی)، و مسیرهای اعتبار خرد و توانمندسازی اجتماعی (شامل کاهش فقر و توانمندسازی زنان). واژگان پرتکرار همچون «وام خرد»، «فینتک» و «فقر» نشاندهنده تمرکز مفهومی پژوهشها هستند و همزمان الگوهای هماستنادی نیز پویایی پارادایمی حوزه را تأیید میکنند. تحلیل روند زمانی نشان میدهد که از سال ۲۰۱۵ به بعد، رویکردهای مرتبط با فناوریهای مالی و شمول دیجیتال رشد چشمگیری داشتهاند. با شناسایی خلأهایی چون کمتوجهی به تجارب زیسته و تحلیل جنسیتی نهادهای مالی، بر ضرورت طراحی چارچوبهای میانرشتهای و مطالعات سیاستمحور در آینده تأکید شده است. | ||
| کلیدواژهها | ||
| یبلیومتریک؛ تأمین مالی خرد؛ تحلیل هم استنادیتحلیل هم رخدادی؛ مرور نظاممند | ||
| مراجع | ||
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